For Portuguese players Multibanco is part of daily life. It is the national ATM and payment network, and paying by reference, with an entity number, a reference and an amount, is something most of us have done for utility bills since forever.
At a casino the same idea works surprisingly well. You get a reference from the cashier, pay it at any Multibanco ATM or in your home banking, and the money reaches your balance without the casino ever seeing your card.
The limitation is that references are one way only. Below are the casinos we have checked that accept Multibanco, and what you need to know about timing, payouts and bonuses.
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Can you pay at online casinos with Multibanco?
Yes. Several international casinos accept Multibanco for deposits. The cashier gives you an entity number, a reference and the amount, which you pay at a Multibanco ATM, in home banking or in a banking app. Withdrawals go to a bank account or another method.
Behind Multibanco stands SIBS, the firm that also processes card payments in Portugal. Its interbank network powers cash machines, shop terminals and the payment by reference system the Portuguese use for everything from utility bills and taxes to online orders.
That reference system is the part casinos care about. No card number is involved. The merchant hands you an entity, a reference number and the sum to pay, and you key those three into an ATM or your banking app. SIBS routes the money to the right company, and your card details never reach the merchant.
For players in Portugal it is about as familiar as a payment gets. For the casino, it means a local method that virtually anyone with a Portuguese bank account can use straight away, without registering anywhere.
A Multibanco deposit happens in two places. You generate the reference on the casino site, then settle it through your bank.
A reference covers one single deposit. Next time you top up, generate a new one.
Cards and wallets credit you on the spot. Multibanco has an extra leg: your side of the payment is finished immediately, yet the confirmation still has to make its way back to the casino.
Normally the casino balance updates within a few minutes of paying. In the small hours, or when the processor has a queue to work through, it can drag on longer.
A casino reference stays valid for a limited period only, often a few days and sometimes less. Pay one that has already expired and your money may be returned to you, or you may have to open a support ticket to get it traced.
The simple fix is to pay soon after you create it. If a deposit is still missing after that, send support your receipt.
Withdrawals are the weak spot. A reference is a tool for paying merchants, and there is simply no way for money to travel back through it.
Casinos therefore wire the money to your Portuguese IBAN instead. Expect the transfer within three banking days of the payout being signed off.
Want it quicker? Add Skrill or MiFinity as your payout wallet, or cash out in crypto if the site offers it. Either way, finish the identity check early so your first withdrawal does not stall.
Lots of Portuguese players open MB WAY, the mobile payment app from SIBS, every single day. It is closely related to Multibanco, but in a casino cashier the two are separate methods, and some sites give each its own button.
| Multibanco | MB WAY | |
|---|---|---|
| What the casino gives you | Entity, reference and amount | A payment request sent to your phone |
| How you pay | At an ATM, through home banking or with MB WAY | By approving the request in the app |
| Away from a computer | Pay the reference in MB WAY | Approve on your phone |
The last row is the handy part. Even when a casino only offers Multibanco, you can pay its reference with MB WAY, which is often the fastest way to finish a deposit on the go. Just check which of the two the casino really supports before you start.
Portuguese banks normally let you pay a reference at no cost, and casinos seldom add a charge of their own for Multibanco. So far, so good.
The minimum deposit is usually EUR 10, though some sites want EUR 20. The maximum per reference is set by the payment partner the casino uses and sometimes sits below the card limit at the same site. On top of that, your bank applies a daily limit to service payments, so if a bigger payment gets refused, check that ceiling in your app first.
Welcome offers usually accept Multibanco without fuss. The catch is timing, because the deposit does not land instantly.
Certain offers expire if you do not claim them soon after registering, and some need a code at the moment of deposit. With Multibanco, that moment is the point where you generate the reference, before any money moves. Leave a little slack for the crediting as well.
Go through the playthrough rules, the bet cap and which games count before paying. Once the money is in, backing out of a bonus is not always possible.
It is also the right moment to decide how you will withdraw.
SRIJ is the regulator for online gambling in Portugal. Only operators holding its licence may run casino games for Portuguese players legally, and you can spot those sites by their .pt domain.
Plenty of international casinos take Multibanco anyway, through payment partners. Their licences come from abroad, so the protections SRIJ offers stop at the door.
My advice is short. Figure out which type of casino you are dealing with. Scroll down to the footer to see who licenses it, and go through the withdrawal terms before the first deposit, not once you are already waiting for money.
Yes, several international casinos accept Multibanco references for deposits. Check the casino profile for the current cashier options.
No. Casinos pay Multibanco users by bank transfer, e-wallet or crypto.
Usually a few minutes after you pay the reference, occasionally longer.
At any Multibanco ATM, in your home banking or banking app, or in the MB WAY app.
No. MB WAY is a separate mobile payment app from SIBS. Some casinos offer both options.
Paying a reference is usually free at Portuguese banks, and casinos rarely charge extra.
Every method we have tested at a licensed casino, with the deposit floor, the payout route and the cost written out for each one.
81 methods
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